Insurance & financing, made simple
We direct bill most major insurance providers and offer 0% interest payment plans — so the cost of care is never a barrier.
How direct billing works
We handle the entire claims process from start to finish — so your only job is showing up.
Bring Your Card
Simply bring your insurance card to your appointment. That's all you need to do — we handle everything else.
We Verify Coverage
Our team contacts your insurer before treatment to confirm your coverage, co-pay amounts, and annual limits.
Treatment & Direct Billing
We complete your treatment and submit the claim directly to your insurance provider on your behalf.
You Pay Only Your Share
You only pay your co-payment (if any) — the rest is settled directly between our office and your insurer.
Insurance providers we work with
Don't see yours? Call us — we can almost always accommodate your plan.
0% interest financing for any treatment
We never want cost to stand between you and your oral health.
No Credit Check Required
Our payment plans are available to all patients regardless of credit history.
0% Interest — Always
Every payment plan we offer carries zero interest. What you owe is exactly what you pay.
Flexible Term Lengths
Choose a repayment schedule that fits your monthly budget — from 3 to 24 months.
Same-Day Approval
Ask at your appointment and we can typically have a plan set up before you leave.
Covers Any Treatment
From routine cleanings to full smile makeovers — financing is available for any procedure.
Works Alongside Insurance
Use your insurance to cover what it can, and finance the remainder with no interest.
Insurance & financing FAQs
Which insurance plans do you accept?
We work with most major dental insurance providers in Ontario. If your provider isn't on our list, call us — we can still typically process your claim.
What does 'direct billing' mean?
Direct billing means we submit your insurance claim directly to your insurer. You don't have to pay upfront and wait for reimbursement — you only pay your portion at the time of your visit.
What if my plan doesn't cover a treatment?
We'll let you know before any treatment begins exactly what's covered and what your out-of-pocket costs will be. No surprises.
Can I use both spouses' insurance?
Yes — if you have coverage under two plans (coordination of benefits), we can bill both plans to maximise your coverage.
Do you accept the CDCP?
Yes. We are a proud CDCP participant and direct bill the Canadian Dental Care Plan for eligible patients.
How do I apply for a payment plan?
Simply ask our front desk team at your appointment or when calling to book. We'll walk you through the quick setup process.
What if I have insurance AND need financing?
We coordinate both — your insurance covers its portion and you finance only the remaining balance, interest-free.
Is there a minimum treatment amount?
Payment plans are generally available for treatments over $300. For smaller amounts, we can discuss options at your appointment.
Can I pay off the plan early?
Yes, you can pay off your balance at any time with no prepayment penalties.
Ready to get started?
Book your appointment and let us handle the insurance paperwork and payment options for you.